DaveyDemolition

i certainly have! haha

Thanks hou I'll try and get as much of it I can together ready for when or of it happens which I probably will end up happening :/ Trisk, I'm not even going to get into an argument with you, the amount of times I've said I know I'm in the wrong, i can't change what I've done, and it was an accident going into the back of someone I'm sure a lot of people on here have had accidents. They are accidents. I didn't go into the back of someone on purpose. If i started a thread saying ohh my god!! ohh my god!! i went into the back of someone, fair enough, i started up this thread to ask about the 6 points. But then again theres always one Thanks for everyone that helped I'll let you know what happens in the future

Cheers stu at least someone understands, I'm feeling shit enough about it as it is :/ but yeah I'm going to ignore it for now and get some more insurance, but I've found out that they can claim against me at pretty much anytime, so even in two years I could get the 6 points, say like when his lease car goes back in, and they notice it, I could be prosecuted then, aw well. Thanks for everyones advice ! I'll let you know what happens in the future

Yes all of them were declared. I always like to be as legal as I can when I'm driving I'm not a dick.

I tried that, I rang them as soon as I got the letter yesterday to try and pay them, and they can't backdate it anyway, it will just be put down as a break in the insurance during that period. And also I can't resume my policy with them anyway because it's cancelled, I can only pay the remaining amount of £1,600 odd. And tbh mate I'm not going to get into an argument, yes shit does happen. I lost concerntration I wasn't being a dick. I wasn't following too closely to him I just wasnt thinking, it was an accident, accidents happen, yes that's what's insurance is for. However I was unaware that I was uninsured, I have tried to sort that our with the insurance and that got nowhere. So I'm asking for advice, I'm not trying to drive it out at all. If I get 6 points and have to start again well then that's my fault but I'm just weighing the options up that I have at the moment if I have any.

I would never intentionally drive my car without insurance, I agree that is stupid. When the bank didnt pay my DD I thought they did because it came up on my statement online, so I thought it was cleared. I had a letter from the insurance company stating that the DD wasn't paid and if it wasn't, the insurance would be cancelled, but didn't say when, by law they have to give you 7 days notice. By this time I didn't have the money for the insurance because the bank started using that money for Charges that I shouldent of even been charged for, however that is all refunded now. Anyway I got the letter yesterday from elephant saying that my car insurance was cancelled on the 20/7 and the date on the letter was the 23/7 and I received that letter on the 26/7 so I don't know how I was supposed to know I was driving around without insurance and the accident happened while I was uninsured. And as for lying in court, I never said that I would. If It went to court I would never lie, I'm just trying to weigh up my options as I'm panicking like fuck as I can't afford any way out of this, I can't afford my insurance as it is, so fuck knows how I'll be able to afford it after going back to a provisional etc etc. I've been looking for a second job for a while.

Yeah I would rather a guilty concience, and the guy was so nice I think he would understand like if it was his own car I wouldent, but as its a company car and his car as minimal damage too it then it's not that bad. However the biggest mistake I made was telling him to follow me into sainsburys to discuss it because it happened on the junction outside there, so there may be cameras on the location where we parked !!!!!! Argh!

Also makes it awkward because he knows I work in sainsburys and that's where it happened haha! And my cars hardly inconspicuous so I doubt I would get away with that :/

Yeah I hope it will be like that Zoe! And no, no police were involved, just gave him my address, name and number and reg of the car and vice versa from him how could I deny it happened though, wouldent they ask how he got My details?

And as the car isn't insured I will have to declare it as sorn too -.- which is just hassle because I could technically be driving around if I was insured, but then if I did end up getting 6 points it will just be a waste of money, money I any afford to waste when my insurance is basicly £200 a month

Is there a time limit in which someone can claim against you? It's been 3/4 days now and I've heard nothing and they haven't claimed :/

Cheers mate! at least I know that it will probably end up being 6 points, I'm going to speak to a solicitor today to find out more information and what action I should take, and yes we did exchange information address etc, but the details he gave me were just the company's main details that you can find on their website! I can't even contact him direct or anything. Just so annoying :/